Clarington, OH · Charter 24909
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
19
Profitability
80
Liquidity
49
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clarington, OH · Charter 24909
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.18% | 1.26% | 1.34% | 1.36% | +29 bps | |
| Return on Equity | 8.69% | 9.27% | 9.81% | 10.29% | 10.16% | +147 bps | |
| Net Interest Margin | 4.03% | 4.13% | 4.13% | 4.28% | 4.29% | +26 bps | |
| Efficiency Ratio | 64.49% | 63.22% | 63.37% | 66.89% | 65.38% | +89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.00% | 4.96% | 3.48% | 1.95% | 2.54% | -546 bps | |
| Loan Growth (YoY) | 0.27% | 1.26% | 13.37% | 7.64% | 7.00% | +673 bps | |
| Share Growth (YoY) | 6.95% | 3.54% | 2.52% | 1.61% | 2.30% | -465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 1.87% | 1.43% | 0.93% | 1.59% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.37% | 12.74% | 12.83% | 13.06% | 13.39% | +102 bps | |
| Net Worth / Assets | 12.37% | 12.74% | 12.83% | 13.06% | 13.39% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.45% | 79.50% | 79.44% | 78.49% | 81.01% | +356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clarington, OH · Charter 24909 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.36%
Rank 310 of 1,683
Net Interest Margin
4.29%
Rank 439 of 1,683
Efficiency Ratio
65.37%
Rank 306 of 1,682
Equity / Assets
13.39%
Rank 762 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 82% | 310 / 1,683 | |
| Return on Equity | 10.16% | 2.67% | 5.89% | 8.74% | Beats 84% | 272 / 1,681 | |
| Net Interest Margin | 4.29% | 3.31% | 3.82% | 4.32% | Beats 74% | 439 / 1,683 | |
| Efficiency Ratio | 65.37% | 68.91% | 78.20% | 86.93% | Beats 82% | 306 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.59% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,362 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.39% | 10.44% | 12.89% | 16.53% | Beats 55% | 762 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.39% | 10.44% | 12.89% | 16.53% | Beats 55% | 762 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.01% | 52.61% | 69.38% | 83.50% | 71st pctl | 487 / 1,683 | |
| Loans / Assets | 69.93% | 44.71% | 59.18% | 70.72% | 73rd pctl | 449 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||